Useless FNB

So Today at 9:11 someone had cloned my card and purchased goods to the value of over R2000, number 1 how can 2 cards be active at the same time just doesnt make sense, secondly their system is flawed if a person can do all that without punching in my pin or at least informing that 2 cards are active on 1 account, anyway this person managed to do what he wanted and when i go to the bank to query if the money can be reversed i was told there's a great chance that money is gone and that there's not much they can do. I really am frustrated because it's been so casual with these people and yet if i stole that money from them i'd be arrested immediately. I will be changing banks soon